The lyrics posted doesn't necessarily mean it's correct, it is interpreted by an individual on this site after all. (Although I just goggled and they all say tips. Darn!)

Theme from the song can be inferred from just title alone, but I would like to add one thing. You can see the repetition of the line saying out the artist spit on or missed out on good advice. This suggests previous ignorance, but the simple fact that he is able to recognize and talk about it now shows new enlightenment. The artist has learned from his mistakes. He has matured.

Now I've got a list of some friends that could use enlightening too >.>

My InterpretationI'm probably going out on a limb here, but the song doesn't necessarily strike me as one the artist wrote about himself. To me, there's a sort of story that progresses through the verses.
It starts with the person moving out or being kicked out of their house, "folding my clothes, and I feel useless," can infer packing
It then moves on to the person being homeless for a short period of time, "out in the cold," The next verse shows the person finding employment, however the wages of this job are too low.
I think the bridge represents some kind of change in the person's life, a lot of chaos happening
Then the last verse is very clearly about sex. The progression of the song thus far leads me to theorize that the subject of the song has to resort to prostitution by the end of the song in order to make ends meet.

As stated above, the overlying themes of wisdom and ignoring good advice are extremely clear. This is just something else that really stuck out at me, so I thought I'd share it.